@Crystal TaiAre you open to working with an accountant remotely?

Since, we don't have a crystal ball, I always feel it's best to map out a few scenarios before hand so surprises are kept to a minimum and we can keep our wits about us as conditions change. 

Account Closed   no one can really crystal ball what would be best we can only talk about what we did or did not do.Every response above is reality... like 20% of agents make 80% owning a few brokerages I can tell you this is certainly true.As Micki states if you do get in the bizz ANSWER YOUR PHONE  that alone will help you succeed..

I don;t care how many will disagree with me.And here is why they will disagree with me.I am from Curacao, an island in the Caribbean with Crystal clear water.Now consider someone from NYC and myself both go to Florida to visit the beaches.I would say Yuk look at that milky water.

This is all Crystal Ball stuff.

No one has a crystal ball, and a lot of people are just waiting on the sidelines for the right time.

So while I have that on my mind, I am not too focused on it as I do not have a crystal ball.

No one can polish their crystal ball and give you an exact answer.The second issue is the HELOC line of credit probably has a maximum life cap of 18%?

Let me check my crystal ball real quick...Nope.I do believe in Cryptocurrencies and the blockchain decentralized technology having a boom in the next few years though.... but that's another debate :)

Refinance for 80/20 LTV I don’t have a crystal ball.